What type of coverage is a High-Deductible Health Plan (HDHP) associated with?

A High-Deductible Health Plan (HDHP) is primarily associated with catastrophic coverage. This type of health plan is designed to protect individuals from high medical costs after a certain threshold, known as a deductible, has been met. HDHPs have lower monthly premiums but require higher out-of-pocket costs before insurance begins to cover medical expenses, aligning with the catastrophic coverage model.

Catastrophic coverage is aimed at providing financial protection against significant health events or emergencies, which is the main focus of HDHPs. They are often paired with Health Savings Accounts (HSAs), allowing individuals to save for healthcare expenses. The purpose of an HDHP is to ensure that in the case of severe medical issues, the cost burden is mitigated once the deductible is reached, making them suitable for those who are generally healthy and do not expect to incur high medical expenses regularly.

Other types of coverage like comprehensive and preventive focus on a broader range of health services and lower out-of-pocket costs, while supplemental coverage typically enhances other primary health plans rather than being a standalone option. Thus, HDHPs best fit the catastrophic coverage category due to their design and function within the health insurance landscape.